Health Reimbursement Arrangement

What Is It? - This is a pre-taxed benefit employers offer to their employees to try and control health insurance cost.  The employer buys a higher deductible from the insurance company saving insurance premium dollars.  However, the employer offers a lower deductible to the emplyees than what is offered by the insurance company.  The employer is paying the difference.  This is a simple form of self funding a health insurance plan.

Instructions:

How Do I Get Reimbursed For Medical Expenses?

  1. You will only need to request a reimbursement after your share of the deductible has been met.
  2. To get paid for incurred medical expenses, fill out a reimbursement form and send in with a copy of the explanation of benefits (EOB) from the insurance company. You can download the form below.
  3. Prescription drugs require payment at pickup; send reimbursement form and receipt from pharmacy to get reimbursed.
  4. Fax, e-mail or mail a copy of the EOB and reimbursement form to:

    Midwest Insurance Brokerage
    4 Systems Drive
    Appleton, WI 54914
    Fax 920-731-1421
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it

  5. Reimbursements are processed every Thursday and checks mailed on Monday.  Best to get request in by Wednesday.
  6. The reimbursement should not be deposited into your health savings account if you have one, this is already tax free money to you.
  7. You should be reimbursed for medical expenses before you need to pay the providers bill.
  8. If you have any questions about getting reimbursed, call Lynn Weatherwax at 920-731-2100.

Forms

If you would like more information, please contact us!